Company Overview
Just Retirement (Holdings) Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Friday 19 March 2004, so this is a well established company. Just Retirement (Holdings) Limited has been in business for 22 years. The accounts status is audit exemption subsidiary and the accounts are next due on Wednesday 30 September 2026.
Registered Address

Enterprise House, Bancroft Road, Reigate, Surrey, RH2 7RP
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Companies House Data
Company NameJUST RETIREMENT (HOLDINGS) LIMITED
Company Number05078978
Registered Office AddressEnterprise House
 Bancroft Road
 RH2 7RP
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date19/03/2004
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategoryAUDIT EXEMPTION SUBSIDIARY
Returns Next Due Date16/04/2017
Returns Last Made Up Date19/03/2016
Directors & Members
Show Resigned
David Richardson - Director
(Irish, 54 years old, born November 1972)
Appointed 19 April 2016
 Active
Secretaries
Show Resigned
Simon Watson - Secretary
Appointed 29 January 2020
 Active
Other Company Directorships
David Richardson
JUST GROUP PLC
JUST RETIREMENT FINANCE PLC
JUST RETIREMENT GROUP HOLDINGS LIMITED
JUST RETIREMENT LIMITED
JUST RETIREMENT MONEY LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 30-Jun-2013 30-Jun-2012
Balance Sheet
Fixed Assets 6,043,900,000 6,043,900,000 5,800,000
Current Assets 3,632,600,000 3,632,600,000 8,174,800,000
Creditors Due Within One Year 9,190,600,000 9,190,600,000 7,883,600,000
Working Cap -5,558,000,000 -5,558,000,000 291,200,000
Total Assets Less Current Liabilities 485,900,000 485,900,000 297,000,000
Long-term Liabilities 86,600,000 86,600,000 32,200,000
Net Assets 399,300,000 399,300,000 264,800,000
Share Capital & Reserves
Share Cap 400,000 400,000 300,000
Profit & Loss Reserves 241,600,000 241,600,000 147,800,000
Other Reserves 157,300,000 157,300,000 116,700,000
Shareholders Funds 399,300,000 399,300,000 264,800,000
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 30-Jun-2013 30-Jun-2012
Tangible Fixed Assets - - -
Fixed Assets 62.5% 62.5% 0.1%
Stocks Inventory 0.0% 0.0% 0.0%
Debtors 1.0% 1.0% 1.2%
Cash Bank In Hand 0.4% 0.4% 0.2%
Current Assets 37.5% 37.5% 99.9%
Creditors Due Within One Year 95.0% 95.0% 96.4%
Net Current Assets Liabilities -57.4% -57.4% 3.6%
Creditors Due After One Year 0.5% 0.5% 0.0%
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability 4.1% 4.1% 3.2%
Called Up Share Capital 0.0% 0.0% 0.0%
Share Capital Allotted Called Up Paid 0.0% 0.0% 0.0%
Profit Loss Account Reserve 2.5% 2.5% 1.8%
Shareholder Funds 4.1% 4.1% 3.2%
Capital Employed - - -
Total Assets Less Current Liabilities 5.0% 5.0% 3.6%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 30-Jun-2013 30-Jun-2012
Liquidity Ratio 0.4 0.4 1.0
Solvency Ratio 1.0 1.0 1.0
Reserves to Assets 0.0 0.0 0.0
Secured Creditors Unlock full report
Mortgages Charges 5
Mortgages Outstanding 2
Mortgages Part Satisfied 0
Mortgages Satisfied 3
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 30-Jun-2013 30-Jun-2012
Assets 9,676,500,000 9,676,500,000 8,180,600,000
Debt 9,277,200,000 9,277,200,000 7,915,800,000
Net Assets/Debt 399,300,000 399,300,000 264,800,000

The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.

Current debt exceeded short term liquid assets as at the balance sheet date. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The balance sheet indicates the substantial net assets of a large company. For the size of the company as inferred by the balance sheet the amount of net assets represents a relatively small margin of cover over total debts and obligations.

Unlock full report  The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.Current debt exceeded short term liquid assets as at the balance sheet date. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The balance sheet indicates the substantial net assets of a large company. For the size of the company as inferred by the balance sheet the amount of net assets represents a relatively small margin of cover over total debts and obligations.   The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.Current debt exceeded short term liquid assets as at the balance sheet date. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The balance sheet indicates the substantial net assets of a large company. For the size of the company as inferred by the balance sheet the amount of net assets represents a relatively small margin of cover over total debts and obligations.

This review of public record balance sheet and company status information is presented under the terms of Open Government Licence and is for informational purposes only, is general in nature, and is not intended as an opinion or advice for any specific circumstances. The commentary and the colour band score is not a credit rating or credit risk assessment.

This review does not constitute a full credit rating or credit risk assessment based on the full analysis and credit score algorithms used in our credit reports. A full credit report may also provide information relating to trade payment history and county court or court judgments if any.

Public Record Information Unlock full report
Exact Court Judgements
Period of Months Last 12m 13-24m 25-36m 37-48m 49-60m 61-72m
Number of Exact CCJS X Y Y X X Y
Value of Exact CCJS YXY YK S S X KX
Supplier Credit Limits Unlock full report
Date Sector Notified Amount Terms
XK-SXY XKXYXK SXSKXYXK £X,000 XS XYSKS
SK-SYY SKXYXKYKKY KSXX KKXXYXS £YY,000 YS XYSKS SK YXXSXS
YK-SXY XKXYXYYK SXSXYXK £SX,000 XS XYSKS
Payment Records Unlock full report
Payment Records from it's suppliers' company ledger show how a company is paying its suppliers

Payment Analysis

Total Invoices Paid Before
30 days due		 Paid After
30 days due		 Owing Before
30 days due		 Owing after
30 days due
XYX SX K YX X
Company Valuation Analysis Unlock full report

Going Concern Valuation

The going concern valuations value the company on the basis that it continues to trade without the threat of liquidation for the foreseeable future. These valuations are primarily profit and cashflow based.

Valuations Valuation Measures
Estimated High Value £XSI,000 Retained Profit £YX,000
Estimated Mid Value £YY,000 EBIT £SY,000
Estimated Low Value £X,000 EBITDA £SSX,000

Liquidation Valuation

The liquidaton valuation values the company as if it were to cease trading and assets were subject to rapid disposal to cover liabilities. This valuation is primarily asset based.

Valuations Valuation Measures
Estimated High Value £XY,000 Total Assets £XIX,000
Estimated Mid Value £Y,000 Net Assets £YX,000
Estimated Low Value £S,000 Tangible Equity £SX,000

The above valuations are based on our own algorithms and take no account of many factors that can influence actual valuations realized and should not therefore be assumed to be accurate.
Credit Status Checklist Unlock full report
Business Growth Please purchase a report to see true comments
EBITDA Purchase a report to see true comments
Dividends Please purchase a report to see true comments about this company
Retained Profits Retained Profits for this company
Debt Interest Debt Interest for this company
Cash Flow Cash Flow for this company
CCJs CCJs for this company
Age of Company Age of Company for this company
Solvency Solvency for this company
Secured Creditors Secured Creditors for this company
Ownership Ownership for this company


First Report Score: (0-10) X
Financial Status Guide:
10 Very Strong
9 Strong
8 Very Good
7 Good
6 Above Average
5 Average
4 Below Average
3 Poor
2 Weak
1 Very Weak
0 Critical

Risk Score Trend

Risk Rating Unlock full report

This is the credit risk assessment used by one of the top UK credit reference agencies.

Risk Score (1-100) X
Risk Band Description XXMXMXMX SISX
Risk Assessment Meeting of Creditors
Credit Rating XSKX
Altman Z Score Credit Risk Rating Unlock full report

There have been many bankruptcy predictors developed, however none has been so thoroughly tested and broadly accepted as the Altman Z-Score.

Z Score X
Risk Band XY
Risk Band Description The Z Score is not used for small companies where full accounts are not filed because profit and loss account items are required to calculate the score.

Z Score Bands

1 Low Risk 3.00 and above
2 Caution 2.63 - 2.99
3 Risk of Failure within 2 years 1.24 - 2.62
4 High Probability Failure Below 1.24
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Document Filings
Appointment of Ms Anna Wyse as a director on 1 April 2026
Termination of appointment of Mark William Godson as a director on 1 April 2026
Consolidated accounts of parent company for subsidiary company period ending 31/12/24
Notice of agreement to exemption from audit of accounts for period ending 31/12/24
Audit exemption statement of guarantee by parent company for period ending 31/12/24
Consolidated accounts of parent company for subsidiary company period ending 31/12/24
Notice of agreement to exemption from audit of accounts for period ending 31/12/24
Confirmation statement made on 4 July 2025 with no updates
Change of details for Just Retirement Group Holdings Limited as a person with significant control on 29 November 2024
Consolidated accounts of parent company for subsidiary company period ending 31/12/23
Audit exemption statement of guarantee by parent company for period ending 31/12/23
Notice of agreement to exemption from audit of accounts for period ending 31/12/23
Confirmation statement made on 24 June 2024 with no updates
Termination of appointment of Andrew Mark Parsons as a director on 31 December 2023
Appointment of Mr Mark William Godson as a director on 1 December 2023
Termination of appointment of Christopher Lewis Rayner as a director on 1 December 2023
Consolidated accounts of parent company for subsidiary company period ending 31/12/22
Notice of agreement to exemption from audit of accounts for period ending 31/12/22
Audit exemption statement of guarantee by parent company for period ending 31/12/22
Confirmation statement made on 15 June 2023 with no updates
Notice of agreement to exemption from audit of accounts for period ending 31/12/21
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